Privacy Policy for KiraASB

Last updated: September 19, 2026

This Privacy Policy applies to the KiraASB mobile application (Package Name: com.muffdev.kiraasb2), developed by Muff Developer ("we", "us", or "our").

We are committed to protecting your privacy. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our application.

Key Summary:

KiraASB is primarily an independent financial calculation and educational estimation tool. Your calculation inputs (amounts, dividend rates, financing terms) are processed locally on your device and are never sold, transmitted, or stored on external servers.

1. Information Collection and Use

While using KiraASB, we do not require you to provide any personally identifiable information (such as your full name, IC/MyKad number, banking credentials, or bank account details).

• Calculation Inputs: Any figures, loan tenure, dividend rates, or financial simulations you enter into the calculators are stored and processed strictly on your local device.

• Application Preferences: We use local storage (SharedPreferences) to remember your chosen preferences (such as language selection and theme).

2. Third-Party Services and Data Collection

The app uses third-party services that may collect information used to identify your device or serve advertisements:

• Google Play Services: Used for core Android app runtime and standard Google Play functionality.

• Google AdMob (Google Mobile Ads): Used to display advertisements within the app. AdMob may collect and process device identifiers (including Android Advertising ID / AD_ID) to serve ads.

• Google Firebase: May be used for app analytics, configuration updates, and crash diagnostics.

3. Financial Services Policy & Non-Lending Disclaimers

In accordance with Google Play’s Financial Services Policy, we provide the following explicit disclosures regarding the functionality of KiraASB:

• Independent Calculation Tool: KiraASB is exclusively a mathematical calculation, projection, and educational simulation tool. It is designed to assist users in estimating potential compounding dividends and calculating standard loan amortization schedules.

• No Personal Loans or Lending Services: KiraASB does NOT offer, facilitate, broker, underwrite, or disburse personal loans, payday loans, peer-to-peer (P2P) lending, lines of credit, or any financial products.

• No Financial or Investment Advice: All calculations, dividend projections, and amortization schedules generated within the application are automated mathematical estimates based on user input. They do not constitute financial, investment, legal, or tax advice.

• No Official Affiliation: KiraASB is an independent third-party utility. It is NOT affiliated with, endorsed by, sponsored by, or connected to Amanah Saham Nasional Berhad (ASNB), Permodalan Nasional Berhad (PNB), Bank Negara Malaysia (BNM), or any commercial banking institution.

• No Financial Transaction or Account Access: The application does not connect to any bank accounts, does not execute financial transactions, and never requests or stores financial credentials, IC/identity numbers, or payment data.

4. Permissions Requested

KiraASB requires the following standard Android permissions:

• android.permission.INTERNET: Required to load remote configurations and display advertisements.

• android.permission.ACCESS_NETWORK_STATE: Required to check network connectivity status.

• com.google.android.gms.permission.AD_ID: Standard Google Advertising ID permission required by Google Mobile Ads to deliver relevant ads.

5. Data Retention and Security

We value your trust. Since we do not collect personal financial data or user accounts, there is no personal financial information stored on our servers. Any technical diagnostics collected by third-party SDKs (such as AdMob and Firebase) are encrypted in transit via standard HTTPS/TLS protocols.

6. Children’s Privacy

KiraASB is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We advise you to review this page periodically for any changes. Any updates become effective immediately upon posting to this page.

8. Contact Us

If you have any questions, concerns, or suggestions regarding this Privacy Policy, please contact us:

• Developer: Muff Developer

• Email: mfaizdev@gmail.com